Congratulations!
Your 1-on-1 Introductory Call Is Scheduled
We just sent you an email confirming the date and time of our call. Please mark it in your calendar. We respect our clients' time, so it is important to us to make this an on-time meeting to make the most of the time we have allotted.
We will call you at the time of our scheduled meeting. Please note our office phone numbers begin with 617-630-XXXX. If you need help prior to our meeting, please call our main office line (617-855-0606).
We look forward to speaking with you! If you have any questions before the call, feel free to respond to the calendar invite email.
Your Journey Through the 365 Retirement Plan Process
You’ve just taken one of the most important steps you can take with your retirement situation — deciding to get clarity.
Most people arrive at this stage of life with a number in their head, and a quiet unease in their gut.
They’ve saved diligently. They’ve made good decisions. But when it comes to answering the question “Am I actually ready?” — the answer is that they’re not quite sure.
That uncertainty isn’t a failure. It’s a signal. And it’s exactly why you’re here.
At Rubino & Liang, we don’t believe in generic advice dressed up to look personal. We believe that your retirement plan should be built around your life — your spending, your income, your goals, and the irreversible decisions that sit between you and the retirement you’ve worked toward.
The conversation you’ve booked is the first step in a process we’ve spent years refining. Here’s what that process looks like — and what you can expect from us every step of the way.
What Happens From Here
Step 1 — We Listen Before We Advise
Your introductory call isn’t a sales pitch. It’s a conversation.
We want to understand where you are right now, where you want to go, and what’s keeping you from feeling fully confident about retirement. Before we start building our customized retirement plans, we ask questions. Real ones. The kind most advisors skip.
What does your ideal retirement actually look like? What keeps you up at night? What decisions feel most uncertain right now?
Your answers shape everything that follows.
Step 2 — We Find Your Number (The One That Actually Matters)
Most people focus on the wrong number. They chase a portfolio balance — $1M, $1.5M, $2M — without ever stopping to ask what that number needs to do.
After your introductory call, we’ll follow up with a personalized questionnaire to confirm your assets, your income timeline, and certain expenses.
We use this information to help calculate the number that actually matters to help build your personalized retirement plan. We call this number your Portfolio Income Needs — or your PIN.
Your PIN is simple: it’s the annual income your portfolio needs to generate after accounting for Social Security, pensions, and any other guaranteed sources. It’s the gap your investments have to close. And once you know it, retirement stops feeling like a guessing game.
Step 3 — We Build a Plan That Works in the Real World
Once we understand your PIN, we look at your full picture — your assets (and how they are allocated), your income timeline, your tax exposure, your risk, and more.
Then, we build a plan that works in today’s world.
The old tools weren’t built for this. A retirement plan is not a document you create once and file away.
Life changes. Markets shift. Tax rules evolve. The strategies that works for you at age 62 may look different at age 67.
That’s why our work together is designed for a long-term relationship — a continuous rhythm of:
- Prioritizing what matters most to you, understanding your immediate needs while also keeping an eye on long-term goals
- Organizing the resources around those needs and opportunities
- Systematizing the ongoing adjustments that keep your plan working year after year.
Retirement isn’t a finish line. It’s a new phase of life that deserves the same rigor and attention your career did — just applied differently.
You Stay In Control
At every stage of the 365 Retirement Plan Process, you’ll know exactly where you stand, why we are recommending what we’re recommending, and what the alternatives are.
We don’t believe in complexity for its own sake. We don’t use jargon to create dependence. And we don’t make recommendations that serve us before they serve you.
What you’ll get from Rubino & Liang Wealth Partners is a straight answer, a clear plan, and a team that treats your retirement with the seriousness it deserves.
We look forward to the conversation.
The Team at Rubino & Liang Wealth Partners
After The Paycheck Videos
In preparation for your call - enjoy this select playlist of video from our series exploring topics to help people to and through the retirement process.
Frequently Asked Questions
What makes us different from other financial advisors?
There are three really important things about our firm that separate us from others:
1. All we do is retirement planning. We are retirement & wealth management specialists with a simple goal of making sure you don’t run out of money.
2. We limit the number of new clients we take on so we can ensure that our clients receive massive value and personalized service.
3. We invest in industry-leading technology to simplify our clients’ lives, so our retirement plans work every day of the year, so you don’t have to.
Do you offer an hourly or one-time project fee option?
We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule or a one-time project fee option.
If you need help locating a financial planner who offers these fee options, send us a note and we will do our best to get you in the right hands.
Why should I consider hiring Rubino & Liang Wealth Partners?
Great question! But first, let us explain why you shouldn’t hire us.
If you’re looking for someone who will simply trade stocks to “beat the market,” you’re in the wrong place.
Why? Because we focus on what you can control.
Predicting whether or not the stock market will rise or fall, or speculating what interest rates will do next, are not things you can control.
But if you are interested in things like lowering your tax bill, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.
Can you meet virtually?
Yes! While many of our clients are in Southern New England, we work with retirement savers all over the United States.
Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom.
Each virtual meeting is protected by a complex, unique password and we adhere to the strict security guidelines necessary to protect your privacy.
Boston area office
189 Wells Avenue, 3rd Floor Newton, MA 02459
Disclosure
Office Phone
Phone: (617) 630-8787
Fax: (617) 630-8325
